How Much Does 2015 Ford Fiesta Car Insurance Cost?

Buyers have a choice when searching for the best price on Ford Fiesta insurance. They can either spend hours contacting agents getting price quotes or use the internet to get rate quotes. There is a right way and a wrong way to buy insurance so we’re going to tell you the quickest way to quote coverages for a Ford and find the lowest price.

Finding the best rates is easy if you know what you’re doing. If you currently have a car insurance policy, you will be able to cut costs considerably using this information. Consumers just need to learn the tricks to compare prices on the web.

The best way to compare insurance rates from multiple companies is to know most insurance companies have advanced systems to give you rate quotes. The only thing you need to do is provide information like what you do for a living, the type of vehicles you drive, your credit rating estimate, and if your license is active. Your details is then sent to many of the top insurers and they return cost estimate instantly to find the best rate.

To compare rates for your 2015 Ford Fiesta now, click here and enter your coverage details.

Insurance companies offer many types of discounts

Insurance is not an enjoyable expense, but you might already qualify for some discounts to cut the cost considerably. Most are applied at quote time, but a few need to be inquired about before you will receive the discount.

  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can get savings up to 30%.
  • Drivers Ed for Students – It’s a good idea to have your young drivers take driver’s ed class in school.
  • Policy Bundle Discount – If you can combine your auto and homeowners policy and place coverage with the same company you could earn a discount of up to 20% and get you cheaper insurance.
  • Life Insurance – Insurance companies who offer life insurance give a lower price if you buy some life insurance too.
  • Defensive Driver Discount – Passing a driver safety course could save 5% or more depending on where you live.
  • Responsible Driver Discounts – Insureds who avoid accidents may receive a discount up to 45% for Fiesta coverage compared to accident prone drivers.
  • Theft Prevention Discount – Cars and trucks optioned with advanced anti-theft systems can help prevent theft and will save you 10% or more.
  • Distant College Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle could get you a discount.
  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle up can save a little off the personal injury premium cost.
  • Accident-Free Discounts – Drivers with accident-free driving histories can earn big discounts in comparison with bad drivers.

Please keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only cut the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you can get free auto insurance, you’re out of luck.

To locate insurance companies with significant discounts, click here.

Do I just need basic coverages?

When it comes to choosing coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different.

For example, these questions can aid in determining if your situation might need an agent’s assistance.

  • Are my friends covered when driving my 2015 Ford Fiesta?
  • Are rock chip repairs covered?
  • What are the best liability limits?
  • Does my policy pay for OEM or aftermarket parts?
  • Is my trailer covered?
  • I don’t drive much so do I pay less?
  • What is roadside assistance coverage?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance specifics

Having a good grasp of auto insurance aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for expenses for things like surgery, funeral costs, X-ray expenses and chiropractic care. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Liability coverage

This coverage provides protection from injuries or damage you cause to people or other property. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things such as loss of income, legal defense fees, pain and suffering, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Collision protection

This coverage pays for damage to your Fiesta from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as hitting a parking meter, sideswiping another vehicle, crashing into a building and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive coverage

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a broken windshield, fire damage, falling objects, hail damage and a tree branch falling on your vehicle. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

The bottom line

You just learned many tips how you can lower your 2015 Ford Fiesta insurance premium rates. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding cheaper insurance. You may even find the lowest premium rates come from a lesser-known regional company.

People leave their current company for a number of reasons such as delays in paying claims, policy cancellation, delays in responding to claim requests and even policy non-renewal. It doesn’t matter what your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

When shopping online for insurance coverage, it’s not a good idea to buy poor coverage just to save money. In many instances, an accident victim reduced uninsured motorist or liability limits only to find out that they should have had better coverage. The aim is to buy the best coverage you can find for the lowest price, but do not sacrifice coverage to save money.

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